Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #9729452
Complaint Overview
Complaint ID: 9729452
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Was not notified of investigation status or results
State: Illinois
ZIP Code: XXXXX
Date Received: 2024-08-06T12:00:00-05:00
Date Sent to Company: 2024-08-06T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to dispute the claimed balance of {$1100.00} on my account, as per complaint number XXXX, and to address the unlawful reporting of these disputed charges to credit bureaus, which I believe violates my consumer rights under federal and state law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX : As previously stated, my apartment suffered from severe infestations and mold, making it uninhabitable. Despite numerous requests, these critical issues were not resolved, breaching the implied warranty of habitability as guaranteed under [ Your XXXX ] XXXX XXXX ( specifically, [ cite relevant statute ] ). Improper Use of Security Deposit : The security deposit should cover any claims for damages due to conditions that were beyond my control and responsibility. The request for additional payments is unjust, especially when considered against the backdrop of your failure to maintain the property as legally required. Illegal Credit Reporting : Furthermore, the action taken by XXXX XXXX XXXX to furnish this disputed debt to credit reporting agencies prior to the resolution of this dispute may constitute a violation of the Fair Credit Reporting Act ( FCRA ), which requires creditors to report only accurate and fully verified information to credit bureaus. Under the FCRA, I have the right to dispute inaccurate information, and creditors are obliged to refrain from reporting disputed amounts until such disputes are resolved. Additionally, [ Your XXXX ] XXXX XXXX XXXX ( [ cite specific statute ] ) also provides protections against unfair billing and credit practices. Request for Immediate Correction and Account Review : I request an immediate retraction of the debt reported to the credit bureaus until our dispute is formally resolved, in accordance with the FCRA and state law. I also insist on a thorough review and adjustment of my account, considering my detailed objections to the charges and the propertys failure to meet legal habitability standards. I urge XXXX XXXX XXXX to address these concerns promptly and in compliance with all relevant laws to correct any inaccuracies in my credit report and resolve this financial dispute fairly. Thank you for your attention to these serious matters. I anticipate your cooperative resolution and await your detailed response. Sincerely, XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #9729452 about?
Complaint #9729452 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2024-08-06T12:00:00-05:00.
How did Experian Information Solutions INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Experian Information Solutions INC.?
Yes, visit the Experian Information Solutions INC. company profile at readthecomplaint.com/company/experian-information-solutions-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.